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Cheap Commercial Boat Insurance

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Commercial Boat Insurance – Compare Cheap Quotes


If you own a fishing business, a river taxi business, a scuba diving company, a boat tour company, or some other marine-based business where boats are a key part of the business operations, you might be keen to find the cheapest boat insurance policy you can possibly find in order to lower your overheads. However, given that your boats are a key part of your business it’s also important to ensure that your commercial boat insurance policy gives you the right level of coverage for your boats.

And that’s where we come in. Quotezone.co.uk’s boat insurance comparison service can help business owners and managers compare commercial boat insurance quotes from a wide range of different insurance providers, increasing your odds of finding a policy that offers the right cover at the right price.

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Is commercial boat insurance a legal requirement in the UK?

 Whether or not commercial boat insurance is mandatory is usually based on where your business will sail its vessels.

If you operate fishing boats, scuba diving vessels or coastal tour boats that only ever sail on the sea then there isn’t any legislation that specifically requires you to insure your boats.

If your boats operate on UK inland waterways, on the other hand, boat insurance usually is mandatory.

However, it’s also worth mentioning that even boats that only operate at sea may require commercial boat insurance if the harbour or marina you use makes it a precondition in their contracts, and if you’ve used a boat loan to buy your vessels this type of insurance might be a precondition of that loan agreement too, in which case you would in breach of contract if you failed to take out commercial boat insurance.

How much coverage do I require when insuring a commercial boat?

Third party boat insurance is the minimum level of coverage you can take out, and is also the minimum required by most waterway authorities if you plan to operate on inland waterways.

However, in order to ensure your vessel is fully protected it would be advisable to consider a more comprehensive policy that insures your own commercial boat against the risk of accidents and theft.

And if you usually transport a lot of cargo in your commercial vessel it would also be a good idea to take out a policy that specifically covers this cargo against insurable risks as well.

How much does marine insurance cost?

Marine insurance specialists take a wide range of different risk factors into consideration when they are calculating your premium, so it’s impossible to give an idea of how much you’re likely to pay for marine insurance without taking these variables into consideration.

For instance, the type of boat or ship you own, its estimated market value, the value of any cargo it transports, where the vessel will be sailed and the ports it will use can all affect the cost of marine insurance.

The best plan is to use our price comparison service to compare marine insurance quotes from a range of different providers, and then go with the one that offers the best coverage at the best price.

Should I use a commercial boat insurance broker to find a cheaper policy?

If a boat insurance broker specialises in insurance policies for commercial boats it’s possible they might have access to specialist insurance providers you might not be able to find yourself, in which case it might be worth finding out what sort of quotes they can offer you.

However, even if you do decide to speak to a commercial boat insurance broker it’s still a good idea to compare policies yourself as well. After all, if you compare quotes from a wide range of different providers you increase your odds of finding the right policy at a cheaper price.